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what are universal credits ?

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hi i dont mean to sound dumb but what are what are universal credits about ?

im married, hubby out of work - he gets no benefits what so every only his stamp, (they say he hasnt made enough contributions?)

i have 2 grown up kids still living at home and assessed to pay £35 a week each toward the rent (they work)

i work on an, as and when required basis but do have a 15 hour a week contract so i get a minimum of 15 hours work a week (for now) , i get no benefits what so ever, no WTC no CTC, no housing benefit, no council tax benefit, no nothing,

yes i struggle big time, infact iv just borrowed £30 to buy food,

am i entitled to anything? like i say what are universal credits about

Thank you

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